AM,
I didn't make my decision based on a google search or a newspaper article. I did so based on what I felt was the best choice for me.
Once my mother passes, it will just be me and my older brother. Based on family history, I'll be checking out sooner then he will.
I don't want him to burden to look over me.
It sounds like your MIL passed quickly. What if you had to care for her for say two or more years?

I've always been a saver, but it would take a long time to save up enough money to cover the cost of care over a long period should I need it.
My 86 year old neighbor just died in his home. He needed 24 hour live in home care for a little over two years. When I spoke to his son recently, he mentioned the out of pocket care cost over that period of time was close to 100K. He also mentioned his dad saying he wished he had been able to pass that money on to his kids rather then spend on his own care.
I also want my long LTC policy to preserve the money I wanted to pass on to my brother and friends.